One request begets another; my comment yesterday about the situation about the UUA today being different than the Universalists in the first half of the twentieth century must have struck a note.
So, by request, I'm recalling the UUA's report of The Economic Sustainability of Ministries Summit June 2015. You can download the PDF report and read the summary here: www.uua.org/careers/ministers/economic-sustainability
Sometimes I hear, seminarians should be warned about how bad things are. So it's worth mentioning that there was another report in 2015 about the "economic realities of the ministry". You can read that here. (Also a PDF.)
But unless you're going to say "nobody should be a minister" then there need to be some solutions. A fund for service-dischargeable loans and alternate training models (more about those later) come to mind. Overtures ("CWG Approved Revision To M. Div. Equivalency Process") in that direction were made in a Ministerial Fellowship Committee meeting at the end of 2018 and that is linked here. (Another PDF!)